For a 40-year-old driver with a clean record, car insurance in Haverhill, MA, averages about $182 a month ($2,186 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Massachusetts average of $182 a month. Plymouth Rock has the lowest full-coverage average among insurers anyone can buy from in our Haverhill table, at about $142 a month.
Haverhill costs about the same as the Massachusetts average for our benchmark driver, about $182 a month for full coverage, and it’s the least expensive of the three Merrimack River cities with an InsuranceQuotes guide: Lawrence averages $235 and Lowell $203.
All three Haverhill ZIP codes in our data (01830, 01832 and 01835) are priced the same for our benchmark driver, about $182 a month for full coverage, so there’s no ZIP code table on this page. Among insurers anyone can buy from, Plymouth Rock has the lowest average in Haverhill, about $142 a month, with Progressive close behind at $153.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Haverhill ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Haverhill averages $2,186 a year, or about $182 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $845 a year ($70 a month), and 50/100/50 liability with comprehensive and collision averages $2,141 ($178 a month).
Plymouth Rock has the lowest full-coverage average among insurers anyone can buy from in our Haverhill table. Priced from published rate studies, USAA* sells only to military families and comes in at about $126 a month, below Plymouth Rock. Apart from USAA, the published 2026 statewide Massachusetts rate studies we reviewed divide between GEICO and Plymouth Rock for the cheapest full coverage: GEICO ranks first in four of the eight, Plymouth Rock in two, one has them tied and one puts State Farm first. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average among the five major insurers we compared, at about $55 a month, followed by GEICO at $62.
Full-coverage averages by insurer in Haverhill
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Plymouth Rock | $656 | $55 | $1,699 | $142 |
| Progressive | $1,044 | $87 | $1,835 | $153 |
| GEICO | $746 | $62 | $1,958 | $163 |
| Safety Insurance | $842 | $70 | $2,591 | $216 |
| Arbella | $939 | $78 | $2,849 | $237 |
| USAA (military families)* | $702 | $59 | $1,511 | $126 |
| Norfolk & Dedham* | $1,111 | $93 | $2,472 | $206 |
| Amica* | $1,064 | $89 | $2,583 | $215 |
| Travelers* | $1,450 | $121 | $2,938 | $245 |
| Allstate* | $1,442 | $120 | $3,219 | $268 |
| Haverhill average | $845 | $70 | $2,186 | $182 |
This table uses Haverhill ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $45 a year on average in our Haverhill data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the same insurers in the same Haverhill ZIP codes, full coverage averaged $2,164 a year nine months earlier and $2,186 in rates as of Aug. 31, 2026, a 1.0% increase. Plymouth Rock raised its average 2.8% and Safety Insurance 2.7%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 1.1%, led by Plymouth Rock, which raised its liability-only average 7.4%.
Essex County averages about $183 a month for full coverage, about the same as Haverhill, and Haverhill is the eighth-most expensive of the 29 Essex County places we price. Groveland averages $152, Merrimac $153 and North Andover $166, while Methuen, between Haverhill and Lawrence, costs more, at $212.
Lawrence, about six miles southwest, costs about $53 a month more than Haverhill for the same driver and car. Where you live is one of the factors Massachusetts insurers use, so neighboring towns can be priced differently.
More Massachusetts cities and towns are in the Massachusetts rates by city table, and you can compare states on our car insurance rates by state page.
Lawrence, about six miles southwest, averages $235 a month, and Lowell, about 16 miles southwest, $203. Lynn, about 22 miles south, averages $265. Groveland, about three miles southeast, averages $152, and Merrimac, about five miles northeast, $153.
Drivers in Haverhill follow Massachusetts’ rules. Every policy issued or renewed since July 1, 2025, must include at least:
Our guide to Massachusetts auto insurance requirements covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Massachusetts law and the Massachusetts Division of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Haverhill averages about $182 a month ($2,186 a year) and liability-only coverage at 20/40/5 limits about $70 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Massachusetts average of $182 a month.
Plymouth Rock has the lowest full-coverage average among insurers anyone can buy from in our Haverhill table, at about $142 a month, with Progressive close behind at $153. USAA*, which sells only to military families, is priced from published rate studies at about $126 a month, below Plymouth Rock. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average, at about $55 a month. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Haverhill, for our benchmark driver. Haverhill full coverage averages about $182 a month and Lawrence about $235, a difference of about $53 a month for the same driver and car.
Yes, in our data. All three Haverhill ZIP codes we price (01830, 01832 and 01835) average about $182 a month for full coverage for our benchmark driver. Your own price depends on your car, driving record and coverage, so compare quotes for your address.
In our Haverhill data, full coverage (100/300/100 with $500 deductibles) averages about $182 a month and liability-only coverage at 20/40/5 limits about $70, a difference of about $112 a month ($1,341 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Massachusetts law doesn’t require full coverage, but a lender or leasing company may.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Haverhill full coverage rose 1.0% over the past nine months, from about $2,164 to $2,186 a year. Plymouth Rock raised its average 2.8% and Safety Insurance 2.7%. Liability-only coverage at 20/40/5 limits rose 1.1%.
For our benchmark driver, full coverage in Haverhill averages about $182 a month. Nearby, Lawrence averages about $235, Lowell about $203 and Lynn about $265. Haverhill is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
